Bill > SB585

This bill modifies the Texas Business & Commerce Code to expand restrictions on consumer reporting agencies regarding the reporting of certain criminal history information. Specifically, the bill adds a new provision that prevents consumer reporting agencies from including information about a criminal conviction or juvenile adjudication that occurred when a person was under 18 years old, if the person is now at least 21 years of age and has completed their sentence. This change aims to protect individuals from having youthful offenses permanently impact their consumer reports. The bill will apply only to consumer reports furnished on or after September 1, 2025, meaning reports issued before that date will be governed by the previous law. The modification is part of a broader set of regulations that limit how far back consumer reporting agencies can report various types of negative financial and legal information, such as bankruptcies, judgments, tax liens, and criminal records, typically restricting reporting to a 7-10 year window depending on the type of event.

Business and Industry

https://capitol.texas.gov/BillLookup/History.aspx?LegSess=89R&Bill=SB585